[Remote] Employee Benefits Analyst / Junior Underwriter

Note: The job is a remote job and is open to candidates in USA. Evergreen Benefits Group is seeking an Employee Benefits Analyst / Junior Underwriter to support employee benefits strategies for its clients. The role focuses on claims analysis, underwriting, RFPs and renewals, self-funded plans, stop-loss coverage, and carrier and vendor negotiations.

Responsibilities

• Prepare, analyze, and present claims reports, utilization data, financial performance, and benefit plan trends
• Identify key cost drivers, emerging claims trends, and opportunities to improve plan performance
• Assist in translating complex claims and financial information into clear, actionable insights for clients
• Participate in client meetings and presentations, providing analytical support and recommendations
• Perform underwriting and financial analysis for self-funded medical plans
• Review carrier renewals, claims experience, enrollment data, plan costs, and projections
• Develop financial models and comparisons to evaluate plan alternatives and funding strategies
• Support budgeting, forecasting, and renewal strategy development
• Coordinate and manage RFP and marketing processes for medical, ancillary, stop-loss, and other benefit programs
• Prepare carrier and vendor submissions and ensure complete and accurate information is provided
• Analyze proposals and develop side-by-side financial and contractual comparisons
• Assist with the preparation and presentation of renewal recommendations to clients
• Maintain timelines and coordinate deliverables throughout the renewal and marketing process
• Support clients with self-funded health plan analysis and ongoing financial monitoring
• Review specific and aggregate stop-loss proposals, contract terms, lasers, deductibles, and renewal conditions
• Analyze stop-loss options and assist in identifying appropriate solutions based on client risk and claims experience
• Work with carriers, TPAs, stop-loss providers, and other partners to obtain and evaluate plan information
• Assist with carrier and vendor negotiations involving rates, fees, contract terms, guarantees, and service commitments
• Communicate with insurance carriers, TPAs, PBMs, stop-loss providers, and other benefit vendors
• Support the brokerage team in identifying opportunities to improve pricing, contractual terms, and overall client value

Skills

• Approximately 1–3 years of experience in employee benefits, health insurance, underwriting, brokerage, consulting, or a related field
• Strong analytical and problem-solving skills with the ability to interpret financial and claims data
• Proficiency in Microsoft Excel, including VLOOKUPs and PivotTables, with demonstrated ability to organize, analyze, interpret, and present complex data effectively
• Strong written and verbal communication skills
• Comfortable interacting with clients, insurance carriers, and vendor partners
• Highly organized with the ability to manage multiple projects, deadlines, and renewal cycles simultaneously
• Detail-oriented while maintaining an understanding of the broader client strategy
• Desire to grow into a more consultative and client-facing employee benefits role
• Experience analyzing health plan claims, renewals, rates, or underwriting information preferred
• Exposure to self-funded medical plans and stop-loss insurance is strongly preferred

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